Study Of The Simulation Model And Countermeasures For Harbin Tech SMEs’ Bank Loans Availability

Bank loans availability of corporate is the bank loan financing capacity of corporate. It reflects the degree of difficulty in gaining access to bank loans. With the construction process of the tech-innovative city in Harbin is more and more quickly, the position of the tech SMEs in Harbin economic development is higher and higher, the importance is becoming increasingly prominent. However, due to the limitations of tech SMEs’ characteristics, the bank loans availability of Harbin tech SMEs is relatively low, and has become a bottleneck in the development of tech SMEs in Harbin.In the base of analyzing and summarizing the characteristics of tech SMEs and the corporate growth theory, this dissertation research the Harbin tech SMEs’bank loans issue using of the system science thinking and system dynamic method. First of all, analyze the SMEs’ credit policies and methods in Heilongjiang ICBC which located in Harbin, take corporates’ credit ratings and risk limits as the measure standards of corporates’bank loans availability, and gain the influencing factors of tech SMEs’bank loans availability which credit rating and risk limits as the cores. On this basis, take the loans availability and its influencing factors as a whole system; explore the logical and quantitative relationship between the various factors within the system. And then build the system dynamics simulation model of the tech SMEs’ bank loans availability in Harbin. After the valid check of the model constructed, simulate the system model via a kind of system dynamic software named Vensim PLE and analyze the changes of the relevant factors in the simulation period. And then do sensitivity analysis to seven main factors in the system. Finally, according to the sensitivity analysis results and corporate growth theory proposes countermeasures in order to increase the tech SMEs’bank loans availability in Harbin. Include improving the forward-looking in business decisions, avoiding short-term behaviors, rational allocation of corporate officers, appropriate arrangements for R&D investments and flexible configuration of enterprise funds. This study has important guiding significance for Harbin tech SMEs in formulation of the financing measures and the decision-making of the development, and some reference significance for other regions and other types of SMEs’loans availability studies as also.